American Family vs. State Farm Car Insurance for 2024

There are many factors that affect the cost of car insurance. In our American Family vs. State Farm car insurance guide, we compare rates by age, driving record, and credit score.

We also compare available discounts and ratings from agencies with a credible and trustworthy view of American Family vs. State Farm car insurance companies.

Looking for affordable American Family vs. State Farm car insurance quotes? And is State Farm cheaper than American family? Enter your ZIP code to start comparing affordable car insurance companies in your area.

State Farm vs. American Family: Which Car Insurance is Cheaper Based on Age?

In most states, it’s legal to base car insurance rates on marital status and gender as well; however, some have banned this practice.

Let’s compare American Family rates and State Farm rates based on age, gender, and marital status.

American Family vs. State Farm Average Annual Car Insurance Rates by Age, Gender, and Marital Status

American Family insurance and State Farm insurance have fairly competitive rates.

However, when comparing American Family Insurance vs. State Farm, State Farm’s rates can be up to 10% cheaper. This is especially true for young male drivers, the most expensive demographic to insure, as State Farm offers them a better deal than American Family Insurance.

Is American Family car insurance or State Farm car insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick. These infractions indicate that you are a greater risk to insure.

American Family vs. State Farm Average Annual Car Insurance Rates by Driving Record

State Farm has slightly higher rates for drivers with a speeding ticket but lower rates than American Family if you have an accident or DUI on your record.

Compared to a driver with a clean record, American Family rates for having a speeding ticket, accident, or DUI on your record will increase by 12% to 61%.

State Farm, however, is more forgiving when its drivers have infractions added to their driving record. Drivers that get a speeding ticket, cause an accident or get a DUI will see their rates increase by only 13% to 29% in comparison to a driver with a clean record.

In general, if you have any violations on your driving record, State Farm is the best option for you.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Is American Family car insurance or State Farm car insurance cheaper based on credit score?

If you experience some type of financial trauma such as incurring medical debt or going through a divorce, your good credit score can drop in a matter of months.

In most states, it’s legal for car insurance companies to factor in your credit score when determining your rates; however, some are banning this practice along with factoring in gender and marital status.

Car insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and safer drivers less likely to file a claim.

Let’s take a look at how American Family and State Farm set rates for drivers with various credit scores.

American Family vs. State Farm Average Annual Car Insurance Rates by Credit History

Car insurance rates with State Farm are generally lower than American Family unless you have poor credit — then you will pay more.

However, American Family is a little more lenient than State Farm when it comes to credit scores that drop over time. Drivers with State Farm that have poor credit will pay over twice as much as a driver with good credit.

If you have a bad credit history, State Farm is a better choice initially; but, if you anticipate your credit score dropping, you may want to consider changing companies.

Before you choose American Family or State Farm, read about car insurance laws in your state and examine rates from a variety of companies.

It may be that basing car insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does American Family or State Farm have better car insurance discounts?

If you have a bad driving record or low credit score, getting good discounts will offset your high rates. But which company will give you more opportunities to save, American Family or State Farm?

Unfortunately, our source includes only three American Family car insurance discounts: defensive driver, air bags, and using the company’s driving device or app.

American Family vs. State Farm Car Insurance Discounts

With State Farm, you can save 30% to 50% by having a short commute, driving a newer vehicle, having air bags, or using the driving app or device.

The discounts provided by car insurance companies also target particular categories of drivers, so be sure to ask if there are any extra discounts you might be eligible for by calling American Family or State Farm customer service at the American Family or State Farm phone number.

Does American Family or State Farm have better car insurance mobile apps?

Usage-based car insurance has become a hot trend in the car insurance industry in the last decade.

All of the larger car insurance companies have a driving app that uses your mobile phone or a device installed into your vehicle to evaluate your driving.

A more general app is also offered by major car insurance providers to allow you to access your policy, make adjustments, and pay your bill.

But, before you make adjustments to your policy on the app, make sure you understand the different types of car insurance coverage.

If you are confused, you should learn more about the elements and terms to help you understand your policy.

Usually, in both the general app and the driving app, your AmFam login or State Farm login will likely be the same.

But if you really prefer talking to someone about your car insurance needs, call the company directly. Who knows? Maybe Jake from State Farm will answer.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How do American Family and State Farm car insurance compare in financial strength and customer satisfaction?

Purchasing car insurance is an important financial responsibility, so you want to make sure you’re selecting the right company that will be there for you when you need it most.

A company’s financial strength, customer satisfaction with the claims process, and the number of customer complaints should be reviewed prior to making your decision.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.

American Family vs. State Farm Company Ratings

Both companies have a strong financial future, but State Farm carries the highest rating from A.M. Best.

Additionally, both the State Farm and American Family insurance claims processes are competitively rated when it comes to customer satisfaction.

However, State Farm has a slightly lower customer complaint ratio.

Why is American Family insurance so expensive?

American Family insurance can be perceived as expensive due to several factors including the level of coverage provided, the insured’s driving history, location, and the types of policies chosen. The company aims to offer comprehensive coverage that might come at a higher premium compared to more basic policies.

How does American Family insurance rate?

American Family insurance is generally rated highly for customer satisfaction and financial stability. It holds favorable ratings from agencies such as AM Best, which assesses the company’s ability to meet its financial obligations to policyholders.

How far back does State Farm look at driving record?

State Farm typically looks back at an individual’s driving record for the past three to five years when assessing insurance rates. However, this period can vary depending on the state’s regulations and the severity of the incidents.

How good is American Family insurance?

American Family insurance is considered good due to its comprehensive coverage options, customer service, and financial stability. Policyholders appreciate the variety of policies available and the company’s responsive claims process.

How is American Family insurance rated?

American Family insurance is rated highly by independent rating agencies such as AM Best, which gives it a strong rating for financial health. Additionally, it receives favorable reviews for customer service and claims satisfaction.

How is State Farm auto insurance rated?

State Farm auto insurance is known for its extensive coverage options, competitive pricing, and strong customer service. It is one of the largest auto insurers in the United States, providing reliable coverage and support to its policyholders.

How long does a speeding ticket affect your State Farm insurance?

A speeding ticket can affect your State Farm insurance rates for three to five years. The impact on your premium will depend on the severity of the offense and your overall driving history.

How much is American Family car insurance?

The cost of American Family car insurance varies widely based on factors such as the type of coverage, the driver’s age, driving record, location, and the vehicle insured. Potential customers are encouraged to get a quote to understand specific pricing.

How much does State Farm car insurance cost?

State Farm car insurance costs depend on several factors, including the driver’s profile, the vehicle, and the desired coverage levels. On average, State Farm offers competitive rates that can be tailored to meet individual needs through discounts and policy adjustments.

Is American Family a good insurance company?

Yes, American Family is considered a good insurance company due to its solid financial ratings, comprehensive coverage options, and positive customer service reviews. It is a reliable choice for many seeking auto insurance.

Is State Farm a good car insurance company?

Yes, State Farm is a reputable car insurance company with high customer satisfaction ratings, a wide range of coverage options, and strong financial stability. It is one of the leading auto insurers in the country.

Before you buy American Family vs. State Farm car insurance, use our FREE comparison tool to see the best car insurance quotes from companies in your area.